General Liability Insurance in Albany, CA
General liability insurance is a critical safeguard for businesses, shielding them from potential risks and liabilities. This coverage may act as a financial buffer against unanticipated accidents, legal disputes or claims.
What Does General Liability Insurance Cover?
A general liability insurance policy may offer a wide range of protection for the following:
- Bodily injury—This coverage may pay for medical expenses, legal fees and possible settlements if a third party is injured on your premises.
- Property damage—This may cover the cost of repairing or replacing property if your business is found liable for the damage.
- Personal and advertising injury—This may protect your business against financial losses stemming from claims of libel, slander, copyright infringement or false advertising.
However, it may not offer you protection from the following:
- Employment-related claims such as worker injuries, sexual harassment or discrimination
- Cyber-attacks and data breaches
- Damage and destruction to your own property
In these cases, policy endorsements or standalone coverage may be necessary.
How Much General Liability Insurance is Necessary?
Businesses face various kinds of risk, so the amount and types of coverage you need may differ from other businesses. Contact Freeman Insurance Services, Inc. for a tailored quote today.